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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Can you provide some data points around dividend "growers" companies and if not available dividend companies in general. Current P/E forward looking vs. historic average and ranges. Just wanting to get an idea on how much higher than the average these stocks are currently compared to historic levels, how overvalued they "may" be to help assess downside risk. Thanks!
Read Answer Asked by Husseinali on May 31, 2017
Q: If I may add my two cents worth to the question from Valdis re RRSP or RFSA, another advantage for the TFSA is estate concerns. When a person passes on, should there be say, $100,000 in an RRSP or RRIF, that RRSP or RRIF will be added to the final net income and therefore, attract a huge bill from the tax man. On the other hand, the TFSA will be passed on to the heirs tax free. In this situation, an individual is better off to convert as much as possible from his/her RRSP/RRIF to the TFSA, depending on the current income tax situation (take every opportunity to do so). The TSFA is, of course, paid with tax paid dollars whereas the RRSP pre-tax dollars.
Read Answer Asked by Fred on May 30, 2017
Q: Good afternoon,

I'm thinking of replacing individual stocks that I've held for a long time in my RRSP with either XAW or VXC for the foreign portion of the RRSP portfolio and adding XIC or XIU for the Cdn portion of the portfolio. Is this a good idea and if so which would be your preference and recommendation. Thank you.
Read Answer Asked by Francesco on May 30, 2017
Q: A former financial advisor friend of mine tells me to be cautious regarding ETFs in a downturn because they have not been tested yet. He informed me that the sale protocol is different between selling a mutual fund vs an ETF and that the ETF could be more volatile. So far I have found both to be less volatile than simply holding stocks which to me can move up and down much more rapidly. For example: PKI moves significantly from time to time while FAI which holds PKI among other stocks moves up and down marginally due to the variety of stocks held. That being said, if there is a strong correction would a mutual fund be a better hold than an ETF of similar holdings?
Read Answer Asked by John on May 30, 2017
Q: Hi 5i, what are your top 5 small or mid-cap dividend growth stocks? Also, please provide a few companies that you believe may be initiating a dividend in the near future. Thanks Rob
Read Answer Asked by Robert on May 29, 2017
Q: For portfolio weighting purposes do I include preferred shares in fixed income or equity? Is it also necessary to further break out pref shares as to the industry they are in or is credit worthiness the primary concern? In other words, if 10% of my total portfolio is in financial pref shares, and I also have 15% of my equities in financials, should I then consider myself to hold 25% financials and thus be overweight?

Thanks for your help.

Paul F.
Read Answer Asked by Paul on May 29, 2017
Q: Good morning

I am currently looking to exchange approx $100,000 US to CDN...however, was wondering if I should wait until the announcement of the US rates in June...do you think it is more or less priced in...also, at this time would you invest in US market and look for more upside prior to conversion...I would make approx 34% on exchange currently, then invest in CDN...no tax issues or allocation concerns...

In addition, where do you see current upside in US (3 stocks) and CDN (3 stocks)...

Thanks..feel free to deduct for additional questions...

Matt
Read Answer Asked by Matthew on May 26, 2017
Q: Responding to Ernie’s question about stock quote software.

I use a program called MSMoney quotes which downloads stock quotes (and currency exchange rates) from most major indexes. The quotes are directly uploaded into MS Money which microsoft has made available for free since they no longer are developing it. I use MS Money to track performance, dividends, and other transactions for stocks spread across 9 different investment accounts. And MS Money allows me to export my stock data into an excel sheet I wrote which performs sector, currency and risk analysis on my entire portfolio.

Hope this helps.
Read Answer Asked by John on May 26, 2017
Q: Do you know of any software available that can track stock quotes other than Quicken pro. I have used Quicken Pro for many years but now they will discontinue the stock downloads u9nless one purchases their 2017 program. Cost is about 84.00 per year. It works pretty good except it does not correct stock prices for different exchanges. (such as US dollars). Thanks. Ernie
Read Answer Asked by Ernie on May 25, 2017
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